Kyiv, Leiptsyzka, 16      (044) 5855516

  • Odesa, Shevchenko ave., 2a      (067) 6943145
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Мова: 🇺🇦 Укр 🇬🇧 Eng

Credit for workers

Loan application

Loan amount, UAH

10 000
150000
300 000

Loan term, months

12
30
48
Monthly payment including commission
0 UAH
Real % rate
0 %
Total expenses for consumer credit
0 UAH
Total cost of credit
0 UAH
* The monthly payment is indicated as an estimate. The calculation example is approximate and is for informational purposes only
I agree to the terms of processing personal data, including obtaining my credit history in any credit bureau

Loan for employeesLoan conditions

  • Amount: 10,000 - 300,000 hryvnias
  • Term: 12 - 48 months
  • Repayment method: annuity (in equal monthly payments)
  • Age: 23 - 65 years old

Required documents:

  • Passport of a citizen of Ukraine
  • Individual tax number (TIN)
  • Salary certificate for the last 3 months

Required documents for entrepreneurs (FOP):

  • Passport of a citizen of Ukraine
  • Individual tax number (TIN)
  • Income declaration for the last two reporting periods
  • Certificate of State Registration or extract from the Unified State Register of Legal Entities and Individual Entrepreneurs

Additional information:

  • one-time loan fee (calculated as a percentage of the loan amount and depends on the loan term) – 12 months -1%, 24 months - 2%, 36 months - 3%, 48 months - 4%;
  • interest rate for using the loan – 28% per annum;
  • monthly commission for servicing credit debt (calculated from the loan amount) – 4%;
  • supporting services of third parties are not provided for under the terms of the product.

Consumer Credit Passport

Current Loan Agreement Template

INFORMATION on the essential characteristics of the consumer credit service

EXAMPLE 1 - CALCULATION OF THE CREDIT PRODUCT CALCULATOR

EXAMPLE 2 - CALCULATION OF A CREDIT PRODUCT CALCULATOR

WARNING FOR THE CONSUMER
about the possible consequences for the consumer in the event of using a consumer
loan or failing to fulfill his obligations under the
consumer loan agreement
1. In case of delay in performance obligations to pay payments under the loan agreement:
  • The Borrower, at the request of the Lender, must pay the Penalty in the amount and in the manner established by the Agreement (clause 4.8. of the Model Agreement);
  • the information provided for the conclusion of the Agreement may be transferred to third parties, in particular to banks and credit bureaus (clauses 6.3-6.4. of the Model Agreement);
  • a collection company may be involved to settle overdue debts in the manner established by law (clause 3.2.7. of the Model Agreement);
  • the right of claim under the Agreement may be assigned (sold) to third parties (clause 3.2.9 of the Model Agreement);
  • the repayment of the debt may be accelerated at the request of the Lender in the manner and within the terms established by the Agreement (clause 3.2.4.. of the Model Agreement);
  • the Lender may contact the Borrower and third parties (contact persons) of the Borrower, who were indicated by him when concluding the Agreement (clause 3.2.8. of the Model Agreement);
  • the debt may be forcibly collected in court (clause 3.2.4. of the Model Agreement, Article 16 of the Civil Code of Ukraine).
  • Penalty: in case of full or partial delay in returning the Loan and/or paying interest for its use and/or other payments under the Agreement, the borrower pays a penalty in the amount of - 200.00 hryvnias for the first overdue payment, and 500.00 hryvnias for each subsequent overdue payment (clause 4.8. of the Sample Agreement);
Interest rate: determined in accordance with Art. 625 of the Civil Code of Ukraine and is three percent per annum of the overdue amount; Other payments: in case of delay in fulfilling a monetary obligation, at the request of the Lender, the Consumer is obliged to pay the amount of the debt taking into account the established inflation index for the entire period of delay in accordance with Art. 625 of the Civil Code of Ukraine.

2. Violation of the obligation to return the consumer creditcredit may affect the credit history and make it difficult to obtain a consumer loan in the future;
3. A financial institution is prohibited from requiring a consumer to purchase any services from a financial institution or a person related or associated with it as a mandatory condition for granting a consumer loan;
4. In order to make an informed decision on obtaining a consumer loan on the proposed terms, the consumer has the right to consider alternative types of consumer loans and financial institutions;
5. A financial institution has the right to make changes to consumer loan agreements concluded with consumers only with the consent of the parties;
6. The consumer has the right to refuse to receive advertising materials via remote communication channels;
7. Possible costs for the consumer to pay for the use of a consumer loan depend on the payment method chosen by the consumer;
8. The consumer's initiation of an extension (prolongation, prolongation) of the consumer loan repayment period (term of fulfillment of the monetary obligation)/credit period/term of validity of the consumer loan agreement is prohibited by the contract.

A credit product with a low monthly payment for employed clients

The Financial and Credit Supermarket presents a loan for employed (part-time or full-time) clients

To obtain a loan, you must confirm your solvency by providing a certificate of income or a salary certificate for the last 3 months.

You can also indicate alternative sources of income or belonging to special categories of borrowers to get a favorable loan offer from the Financial and Credit Supermarket with a low monthly payment for a long period, which will allow to pay payments under the program for employed without any special difficulties with a fixed minimum payment.

You can work for a company under an employment contract and be self-employed at the same time. For example, an accountant can keep records for other companies, a webmaster can create custom websites, and a cook can rent an apartment. You can take advantage of the advantages when you combine employment and self-employment.

The income of the self-employed is not limited by salary. You can take on more orders or change the prices for your services to earn more. This will help you close the loan early and avoid overpaying on interest.

If your income is insufficient, you can additionally attract guarantors, adjust the loan parameters in the Financial and Credit Supermarket, after consulting with our manager.

You can also profitably refinance in the Financial and Credit Supermarket if you have a confirmed stable income at the time of submitting documents. This allows you to close unprofitable microfinance online loans for the client and switch to low-interest loans without hidden fees and commissions.

    It is beneficial to get a part-time job and devote more time to your business if you:
  • Want to accumulate work experience for retirement
  • Plan to go on maternity leave
  • Want to take a loan and pay it off faster
  • Want to work in a free mode and earn more

It is not recommended to mislead a financial institution. An attempt to deceive by providing false information or forged documents may be considered fraud.

It is important to remember that forging documents is illegal and threatens administrative or criminal liability.

Our employees recommend obtaining loans in an honest way that will not lead to legal proceedings and will not spoil your credit history in the future.